Perks+ Checking
Earn interest on your balance and get great perks for the whole family—pet benefits, cell phone protection1, 2, roadside assistance, and more.
Our MVP—this checking account goes above and beyond
Benefits that pay for themselves
For only $6.95/month, get all the benefits of regular checking plus incredible money-saving extras powered by BaZing.
Get paid up to two days early3
When you receive direct deposits to your account, you’ll get paid as soon as your money is available—up to two days early.
Earn dividends on your balance
Kick back and relax—your money’s working for you. Your Perks+ balance grows hands-free with the best checking rate we offer.
Pet care & insurance1, 2, 4
Protect your pet (and your home) with smart ID tags, discounts on medication, warranty protection for pet damage, and more. Insurance coverage is also available.
Cell phone protection1, 2
When you use your Perks+ Checking account to pay your cell phone bill, you protect your cell phone against breaks and theft up to $400 per claim.
24/7 roadside assistance
Available 24/7 and free to use, up to $80 in service charges. Coverage includes lockouts, flat tires, battery service, collision assistance, and more.
Local deals and national discounts
Whether you’re shopping locally or touring restaurants across the country, the BaZing Savings Network helps you save on shopping, dining, and more.
Buyer’s Protection & Extended Warranty1, 2
This coverage will replace, repair, or reimburse you up to $2,500/occurrence and $50,000/year.
Protection from identity theft & fraud1, 2, 4
Identity monitoring, reimbursement for covered expenses to restore your identity, and help from specialists if you’re a victim of identity theft or if your card is lost or stolen.
Health savings card
Get discounts and preferred pricing for prescriptions, eye care, and hearing services at participating providers.
$10,000 Travel Accidental Death Insurance3
Peace of mind for the unexpected.
On-the-go savings
View your benefits anytime, anywhere. Download the Georgia's Own Perks+ app in the App Store or Google Play.
Preferred pricing for Carefree Pet Plus
Fetch savings for your furry friend with your Perks+ Checking account. Carefree Pet Plus1, 2, 4 includes:
- ID tags linked to Pet Cloud, making it easier for someone to get in touch when they find your pet
- Unlimited access to 24/7 vet support by phone or video
- Reimbursement up to $1,500 annually ($500 per claim) for covered damage to household items or pet devices
- Discounts on your pet’s medications, plus exclusive savings on essentials like pet food and more
Protect your pup (or cat) even more by adding insurance coverage. There are no breed or age restrictions, and you can visit any licensed vet in the country.
Banking choices are tough—we made it easy.
Finding the right account doesn’t have to be stressful. Whether it’s a savings account or any of the checking options we offer, the benefits of opening a checking account with us speak for themselves:
- No minimum balance requirement
- No direct deposit requirement
- Free online and mobile banking with bill pay
- Mobile check deposit
- Free balance alerts5
- 5,000+ shared branches and 110,000+ surcharge-free ATMS
- Optional Overdraft Services6
- Free Visa® debit card
Checking FAQs
All qualified Georgia’s Own members can open a Perks+ Checking account.
There are five ways you can qualify for membership:
- By residence or employment within certain counties in metro Atlanta, Southeast Georgia, Southwest Georgia, Augusta, and Savannah
- Getting Ahead Association membership
- Past or present Georgia State University enrollment or employment
- Relation by blood, adoption, or marriage to a current Georgia’s Own Credit Union member
- Premier Partner employee or retiree.
Visit our membership page to see if you qualify.
No. If you have a Perks+ Checking or All Access Checking account with direct deposit, Early Direct Deposit is now an included benefit. If you do not currently have direct deposit to your Perks+ Checking or All Access Checking account, you will need to complete steps as outlined by your HR department to enroll in their direct deposit service. You’ll be able to receive your paycheck quickly and conveniently.
Depending on your employer, it could take up to 90 days to be enrolled in Early Direct Deposit after you set up a direct deposit. However, in most cases, it begins much sooner. You must have a Perks+ Checking or All Access Checking to be eligible for Early Direct Deposit.
The direct deposit can include: salary, Social Security, pension, military, and VA payments. Other electronic ACH deposits to your account may also post early. Early Direct Deposit is only available on Perks+ Checking and All Access Checking accounts.
No. Early Direct Deposit is an automatic feature of Perks+ Checking and All Access Checking.
Our Resolution Checking account is designed to help re-establish financial stability for members who have had past credit problems and are not eligible for other checking accounts. Explore our Resolution Checking Account for more details.
Check out our other accounts
All Access Checking
The vanilla ice cream of spending accounts. Easily manage your cash with no balance or deposit minimums.
Resolution Checking
Get a clean slate (and get smart about your money) with this special account, offering a fresh start to members who need a financial reset.
Student Access Checking
Our Student Access account offers checking and special benefits for members ages 13-17, who are starting out on their journey toward financial independence.
Learning Center
Go beyond banking with resources and news to learn how to make informed financial decisions.
How to budget for pet ownership
What’s the safest way to pay: check or debit card?
What is a certificate of deposit and is it right for you?
1INSURANCE PRODUCTS ARE NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
2Carefree Pet Plus, Cell Phone Protection, Personal Identity Protection, and Buyer’s Protection and Extended Warranty are subject to additional terms and conditions.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Click here for FAQs.
4Requires additional activation.
5Message and data rates may apply.
6Overdraft services are available to members 18 and over who are in good standing with the Credit Union. We may approve certain transactions that overdraw your account. Under our Premium Overdraft Protection for checks, ACH transactions, and recurring debits, as well as our Premium Overdraft Protection for one-time debit and ATM transactions, we will charge a $35 Premium Overdraft Fee, as outlined in our Truth-in-Savings Fee Schedule, each time we pay an overdraft. You are required to opt-in for Premium Overdraft Protection for one-time debit and ATM transactions. Under our Overdraft Protection Transfer service, we will charge an Overdraft Transfer Fee of $6, as outlined in the Truth-in-Savings Fee Schedule, each time an overdraft transfer from one of your other accounts is initiated. You may also link to an overdraft line of credit. Whether your overdrafts will be paid or not is in our sole discretion and we reserve the right not to pay the overdraft. We also reserve the right to require you to repay your overdrafts immediately or on demand. Read our Overdraft Services Disclosure for full details.
